Future Finances: Time vs Money

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  • Savvy_Sue
    Savvy_Sue Posts: 45,938
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    Hi SavvySue - and apologies, I think I multi-quoted / replied to this before but it dropped off the end ...
    Oh no worries at all ...
    Very helpful, thanks Sue ... I think OH was hoping to just stick the equivalent of a post-it in with the mirror will to divvy out his individual bequests to his daughters! Good to know that the cost sounds sensible as I'd rather go with the solicitor as I've used the company across 7 house sales / purchases, much better than going with someone we don't know,
    just one thought about that, make sure that you are using the firm's wills and probate specialist, not their best conveyancer! do check they have someone who specialises - they all have to do a little bit of everything in training, but it's always best to have someone who knows the field inside out!

    I'd expect most companies who aren't one-man-bands to have both property and probate specialists, but there's always going to be an exception!
    Signature removed for peace of mind
  • ShyAndRetiring
    ShyAndRetiring Posts: 105
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    edited 6 August 2018 at 10:29PM
    Another day ...

    * Spending

    #1): No FleaBay spending - ongoing total 6 / 31. Unfortunately my printer ink's running out -hope it lasts, I'd hate to have to break the goal for that :(

    #2) No food spends today, so still at £ 33 / £165.
    Frugal fooding looks like supporting the ongoing goal.
    * OH smoked and froze the mackerel - 7 portions for two into the freezer!
    * Finally turned my attention to 3lb of cherry toms from last week's market bowls, made 3 jars of oven-dried cherry toms with garlic, chilli and basil.

    * Saving

    # 1) No personal spending but no extra into holiday purse, total still at £ 40 / £75.

    # 2) I've got almost £100 to cash out from TCB so just trying to decide whether to take the cash and run or exchange it for one of their offers which I can use towards Xmas (Iike I did last time with NotOnTheHighSt). Will think on't and meanwhile ISA saving still £ 0 / £120.

    * Sorting

    # 1) I've spent a little time working out our mid-term plan number and it seems to fluctuate between £15,000 and £16,000 p.a. However, this doesn't take into account the new issue of health provision pot and how to fund this. If we use some of the lump sum, then there's less available to draw-down, so I have to do a bit more working out of options.

    #2) No action on Will today, lots going on.

    In other news:
    Morning birdie bits ~ Tracked down the owner of the racing pidge and phoned him this morning. Was a bit worried because some of the websites I looked at when reporting the bird said that if racing birds fail to make it home, the owners often just wring their necks :(
    However, he was really nice and very glad to hear the bird was safe. He made a 180 mile round trip to come and pick it straight up. Was a real insight into someone else's retirement hobby and he really seemed to hold affection for the bird - apparently it was only 6 months old and on its first flight when it went AWOL.

    Afternoon birdie bits ~ picture the scene, living room doors to the garden wide open on such a lovely day.
    Then one of the seagull fledglings from neighbour's roof came down to the garden. Was immediately pursued by the cat, cat immediately pursued by large pooch, all of whom were pursued by OH. In it's shock, the baby seagull ran straight into the lounge, followed by all and sundry, only to be met head on by smaller pooch who was himself trying to run out of the house as he was being harassed / followed by a buzzy fly!
    :eek: Baby seagull was all over the place until OH managed to launch it back outside, but not before its backside did a launch of its own.

    :) Simple pleasures
    * Little pidge being returned to its owner.
    * Throwing ourselves into the sea after a very long, hot day.
    * Having such lovely people visiting the thread.

    Well, night night, SaR x
    ~ * ~ "A goal without a plan is just a wish" Antoine de Saint Expuery ~ * ~

  • ThriftyTracey ... as a continuation of spooky parallels in our lives, I should now reveal that my dogs are doodles (one very obviously in looks, the other more in brain)!

    Have fun, take lots of treats with you!



    Ooooh, spooky. We have a Jackapoo (from puppy) and a Poochon (rescue from Doodle Trust).


    Pleased I did not do too much spends - I was helping out at the Scurry for two shifts which helped, although I could not resist 2 bow ties and some cheap dog toys from the Doodle Trust stall. There were so many goodies for dogs but SO expensive. EG £8.95 for a bandana. £40 for a dog holiday travel bag (so tempted). The dog market is clearly big business now.
  • bugslet wrote: »
    That is a good way to spend a weekend!:T

    Oh it was brilliant Bugslet. Totally exhausted but it was good fun. What was nice was all the visitors (weekend campers and day visitors) all seemed so happy. Well - no surprises there. Proves the dog owning studies are correct.
  • Hiya lovely visitors!
    sukysue wrote: »
    Evening all, had a good day today , no spending at all. Wrapped up a few presents and sorted the rest into bags for who they are for. Also sorted the toiletries in the bathroom and cleaned it .
    My simple pleasure coming home from taking my DF to a hospital appt and taking off all my naice clothes and changing into my comfy rags lol and having a massive cuppa tea followed by an ice cream lol
    Sounds like that was a good day SukySue! Well done on the no spending and for getting some presents sorted ... we have a busy time with birthdays through the late summer and I must get up to date with the presents!
    Love the simple pleasure of taking off the more formal stuff and getting cosy!
    Savvy_Sue wrote: »
    Oh no worries at all ...

    just one thought about that, make sure that you are using the firm's wills and probate specialist, not their best conveyancer! do check they have someone who specialises - they all have to do a little bit of everything in training, but it's always best to have someone who knows the field inside out!

    I'd expect most companies who aren't one-man-bands to have both property and probate specialists, but there's always going to be an exception!

    I'm sure he's their specialist guy, it's not my solicitor who does the conveyancing, that's a good point though, will double check when I make the appointment. Thanks Sue!
    ~ * ~ "A goal without a plan is just a wish" Antoine de Saint Expuery ~ * ~
  • Ooooh, spooky. We have a Jackapoo (from puppy) and a Poochon (rescue from Doodle Trust).

    :T Oooh how lovely ... ours are collie-poodles! I'd love a cockerpoo too!

    Pleased I did not do too much spends - I was helping out at the Scurry for two shifts which helped, although I could not resist 2 bow ties and some cheap dog toys from the Doodle Trust stall. There were so many goodies for dogs but SO expensive. EG £8.95 for a bandana. £40 for a dog holiday travel bag (so tempted). The dog market is clearly big business now.

    Oh gosh yes, the pet accessory business is huge! Ridiculous prices. Well done for resisting the temptations!
    ~ * ~ "A goal without a plan is just a wish" Antoine de Saint Expuery ~ * ~
  • :wave:

    Hope everyone's had a good Tuesday.

    * Spending

    #1): No FleaBay spending - success again today, total 7 / 31.

    #2) No food spends today, doing well at £ 33 / £165.
    Raided the fridge to use up the last of last week's bargain bowls - made Mediterranean Chutney, used up courgettes, tomatoes and aubergines. Used some tomatoes from the garden to make up the amounts and they were lovely. 6 jars of chutney for winter - a couple will be used for hamper gifts later on.

    * Saving

    # 1) No personal spending but no extra into holiday purse, total still at £ 40 / £75.

    # 2) Had a busy day so haven't done the TCB thing, may pop over there shortly. Extra into ISA saving still £ 0 / £120.

    * Sorting

    # 1) I can't do much more with the mid-term planning sums until OH and I have Bored Meeting on Saturday. The scores on the doors won't change much unless our work situations do (something we're not looking to do) - OH is happy to be semi-retired, he's certainly earned it and my health means I can't work full-time hours easily. And of course the whole premise of our future plan is that we'd rather have the time together than the money, so it all needs a bit more working out. Will get there!

    #2) After work I tried to phone solicitors to make appt but didn't get through when I tried and then I got caught up with chopping endless courgettes for the chutney pan so will try again tomorrow.

    :) Simple Pleasures
    * Having a choc ice whilst sitting in the garden during one of today's light showers. Lovely and refreshing all round.

    Night all SaRx
    ~ * ~ "A goal without a plan is just a wish" Antoine de Saint Expuery ~ * ~
  • crv1963
    crv1963 Posts: 1,372
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    :wave:

    :) Simple Pleasures
    * Having a choc ice whilst sitting in the garden during one of today's light showers. Lovely and refreshing all round.

    Night all SaRx



    I actually managed to sit at a table and have a sandwich, then in the garden in the evening have a glass of wine watching the Hens go to bed. It was so peaceful.
    CRV1963- Light bulb moment Sept 15- Planning the great escape- aka retirement!
  • Simple pleasures, I've had a bowl of strawberries for breakfast. Sweet and juicy.
  • I switched bank account yesterday to the Nationwide FlexDirect. It was the most trouble free on-line switch yet (although I do have an existing Flexaccount with them). I tried a Lloyds Bank switch last month as their offer was coming to an end and gave up in the end because I could not get an bank appointment in time at any bank within a 30 mile radius before the offer ended It was ridiculous. I know it is only for a year, hopefully there will be another offering by another bank although they do seem to be drying up and I have switched 4 times now so running out of banks!


    I am also looking for an account where I can squirrel away holiday savings that pays a decent rate and is easy to transfer money to. I've got a small regular savings account with Birmingham Midshires but it is not very flexible. We have ISA's however that is for the unexpected or large capital purchases. We also have a Santandar bank account for DD's and Standing Orders and 2nd level savings, then we have a Nationwide Bank account for savings towards regular expenditure such as vehicle/caravan services and maintenance together with house maintenance. I just want an old-fashioned account where I can pay bits of cash/cheques in, easily transfer small sums electronically and pays a half way "decent" interest. I must admit I am nostalgic for the old books that were printed up every time money was deposited. I remember saving in the Abbey National for our first house deposit that way. It was most satisfying! Actually typing this I just thought about the Post Office. Must do some research.


    Anyone else do this?
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